Compare over 37 Universal Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Hermosa Beach, CA Universal Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
Find the perfect plan from over 37 providers
Your one-stop-shop to compare all the rates, all at once.
With PolicyHub you get:
Over 37 policy provider comparison.
Explore multiple policies from all the leading insurers and choose the one that fits your needs.
Locked in rate discount and exclusive deals.
Benefit from exclusive deals offered only to residents of your state, and lock in huge rate discounts.
Customized policies just for you.
Our team tailors policies to your unique needs, meaning optimal coverage at competitive rates.
"I was totally lost trying to find the right Universal Life Insurance until I found PolicyHub. I was able to work with a licensed agent to compare all my options all at one. I got the perfect plan for me at a cheaper rate than I expected."
Barbara Winters
Policy Holder
ATTN: 2024 Universal Life Insurance rates just released!
Get the latest Universal Life Insurance rates for 2024 and lock in your policy today! Get started comparing policies right now.
Get the Universal Life Insurance plan with the cheapest rates in 3 easy steps.
Done in 3 easy steps
Step 1
Tell us about yourself.
Finding the perfect life insurance policy starts with answering a few questions to help us serve you better.
Step 2
Compare rates & plans.
Discuss your options with a licensed insurance agent. Compare plans to find the best policy & cheapest rates.
Step 3
Lock in cheap rates.
Secure the lowest rates and lock in the perfect life insurance policy for you and your family.
"I lost hope trying to find a Universal Life Insurance policy that wasn't insanely expensive. Thankfully PolicyHub helped me find the perfect policy that is affordable with high coverage. Thank you!"
Bill Barton
Policy Holder
PolicyHub is the smartest way to protect the people that matter most.
Safeguard Your Family
Universal Life Insurance means safeguarding your family in a worst-case scenario. Don't risk it.
Gain Peace of Mind
Far too many Americans are financially blindsided by the death of a loved one. But not your family.
Protect Your Business
Protect your business by ensuring a smooth transition of ownership with the right life insurance.
Beat Estate Taxes
Inheritance or estate taxes is burdensome for your heirs. A life insurance policy can help.
Invest in Your Future
For less than $1 per day, you can make a huge contribution to your family's financial safety.
Build Your Legacy
Through a life insurance policy, you can leave behind a legacy for your loved ones.
Get started in less than 15 minutes.
With PolicyHub getting started is easy. Compare all the Universal Life Insurance rates from all the providers in Hermosa Beach, CA. Get started in under 15 minutes.
All your Universal Life Insurance needs in one place.
Universal life insurance is a type of permanent life insurance that has an investment savings element and low premiums like term life insurance. It is often adjustable, allowing you to alter the amount of coverage you have or the premiums you pay throughout the life of the policy. Part of your premium goes into an investment account, which generates a cash value that you may borrow against or invest.
Traditional universal life insurance offers flexible premiums and death benefits with cash value growth based on a set minimum interest rate. Variable universal life insurance allows policyholders to invest their cash value into various investment options, similar to mutual funds, with potential for higher returns but increased risk.
Indexed universal life insurance ties the cash value's growth to a stock market index, typically featuring a floor to guard against negative returns and a cap on potential gains. Guaranteed universal life insurance focuses on providing a guaranteed death benefit for lifetime coverage, with less emphasis on cash value growth, often making it a more affordable lifelong insurance choice.
Save time and get the best Universal Life Insurance policy with the cheapest rates. Guaranteed.
![]() |
Option 1 | Option 2 | ||
---|---|---|---|---|
100% Digital | ||||
Licensed Agents | ||||
Expert Support | ||||
Get Started in 15 minutes | ||||
Decades of Experience | ||||
Compare 37+ Providers | ||||
Zero Hidden Costs | ||||
Top Insurance Providers |
Real PolicyHub testimonials...
"I knew I needed Universal Life Insurance but I didn't know where to go. I talked with a few other companies but the cost was outrageous. I found PolicyHub and found the perfect plan for me at an affordable cost."
Wendy Smith
Policy Holder
Get matched with a 5-Star Universal Life Insurance agent.
Roy Stephens
universal life insurance agent
Roy Stephens is a universal life insurance agent licensed in your state.
Mark Sidway
universal life insurance agent
Mark Sidway is a universal life insurance agent licensed in your state.
Cale Reeves
universal life insurance agent
Cale Reeves is a universal life insurance agent licensed in your state.
"I was searching for Universal Life Insurance but quickly found out that everyone was trying to sell me on policies I didn't need. Thankfully I found PolicyHub and get the cheapest rates and the right policy."
Nicole Nielson
Policy Holder
Introducing PolicyHub Price Match Guarantee
Our priority is to save you money while getting you the right coverage. If you find a lower rate for a similar policy anywhere else, we'll match it! With PolicyHub, you can rest assured knowing you're getting the best price for Universal Life Insurance in Hermosa Beach, CA.
Frequent Questions...
Universal life insurance may be an attractive option for those living in Hermosa Beach, CA since it offers flexibility and potential tax benefits. It is typically more versatile than other policies since there is often the option to increase or decrease the amount of coverage during certain periods, without needing to go through the process of getting a new policy. Additionally, universal life insurance allows the policyholder to use funds within the policy for additional purposes, such as long-term care coverage, retirement or tax-advantaged savings, which other policies may not offer.
How should I evaluate if universal life insurance quotes in Hermosa Beach fits my financial goals?
Generating a financial plan that meets your goals is an important decision to make, especially when it comes to choosing a life insurance policy that fits your needs. If you are a resident of Hermosa Beach, it is a good idea to reach out to a trusted financial advisor to evaluate if a Universal Life Insurance policy from a California-based insurance provider is the right fit for you. Your advisor can help you to evaluate your financial objectives and compare different policies to decide which works best with your unique financial situation. Additionally, your insurance provider can provide further information to help guide your decision-making.
Are there any riders or additional benefits I can add to my universal life insurance policy Hermosa Beach?
Yes, there are riders and additional benefits you can add to your policy if you reside in Hermosa Beach, CA. Depending on your policy, you may find that rates for earthquake coverage are lower in Hermosa Beach. By adding earthquake coverage to your policy, you will be able to provide coverage for damages and losses incurred by an earthquake. Additionally, you may be able to add a rider for flood insurance as Hermosa Beach experiences a higher probability of coastal flooding due to its proximity to the ocean. You should also consider adding extended liability coverage to provide additional financial protection to you and your family.
With universal life insurance near Hermosa Beach, can I increase or decrease my premium amount after the policy starts?
After your policy starts, the premium amount can usually remain the same. However, some insurance carriers in Hermosa Beach, CA may allow you to make changes to your premium amount at various times. Contact your insurance carrier to inquire about their guidelines regarding increasing or decreasing your premium amount. You may need to provide additional information or documentation to process the change. Your agent can make sure you have the most up to date coverage that best meets your needs.
When I get a universal life insurance quote Hermosa Beach, how is the interest on the cash value determined?
Interest on the cash value of a policy in Hermosa Beach, CA may be affected by a few determining factors, such as the account's rate type, guaranteed or not guaranteed; the policy's premium payment frequency; and the company that issued the policy. Generally, a policy is guaranteed to earn interest at a stated rate for a certain period. Policies with non-guaranteed rates may also earn different rates of return, depending on the performance of the company's various financial holdings and investments.
Yes, you can designate multiple beneficiaries for your policy in Hermosa Beach, CA. Insurance policies generally specify that you can have a primary and secondary beneficiary. However, it's important to understand that multiple beneficiaries are not necessarily required. You can choose to name a single beneficiary, or you could designate your beneficiaries to receive certain portions of the payment. Additionally, depending on the amount of coverage you have, there may be the option to name additional beneficiaries. Make sure to discuss your options with your local insurance provider to ensure that your policy is in line with your wishes.
Can I repay a loan with the cash value from universal life insurance policies near Hermosa Beach?
Yes, you may be able to repay a loan with the cash value from your policy, depending on the type of insurance policy. In Hermosa Beach, California, you can get expert help and advice with this process by connecting with a qualified financial advisor. The local Hermosa Beach Chamber of Commerce may be able to assist with finding a professional, trusted advisor who understands the specifics of the local market and can help you make informed decisions about your loan repayment.
What is the process for surrendering my universal life insurance in Hermosa Beach?
Surrendering your universal life insurance policy in Hermosa Beach, CA is not complicated. First, you must contact the insurance company that holds your policy to find out what documents you must fill out to surrender the policy. Most companies will require that you provide your contact details, your policy number, and your signature to start the surrender process. After the required paperwork has been completed, you will receive a Balance Due Notice, which must be settled in full. Once the insurance company has received all the necessary documents and the balance is paid, the policy will be officially surrendered and your coverage will end.
How do management fees affect my cash value growth with my Hermosa Beach universal life insurance policy?
Management fees in Hermosa Beach, CA can affect cash value growth in a number of ways. By allocating a portion of your funds to cover expenses related to management and other sundry operating costs like accounts receivable and legal fees, the effective return on your investment will be minimized. As a result, the amount of funds that are available to reinvest in new or existing investments is reduced. Ultimately, this can limit the potential for growth of cash assets making it more difficult to reach your financial goals.
How can I change the beneficiaries on my policy with my Hermosa Beach universal life insurance company?
Changing the beneficiaries on your policy in Hermosa Beach, CA is a straightforward process. Once you have determined who you'd like to be the new beneficiaries on your policy, you should contact the local office or website of the insurance company that issued your policy to start the change of beneficiaries process. Ensure that you have the names and contact information of your new beneficiaries handy for this process. In order to ensure that the change is legally recognized, you may need to fill out additional paperwork. This process may differ depending on the insurer, so contact your provider for specific instructions.
Compare Hermosa Beach, CA Universal Life Insurance Policies
Get started today and compare over 37 Universal Life Insurance providers in as little as 15 minutes.
© 2024 PolicyHub - all rights reserved